铁道部被并入交通运输部的消息刚刚落地，此前被叫停的第三方网站代销火车票业务却已经悄然“翻生”。近日，携程旅游网推出一款名为“铁保行”的旅游产品，客户可以订购3—20日以内的所有高铁、动车组车票。不过，记者同时发现，消费者在订票的同时必须要购买一份单价达20元的交通意外保险，而几乎是同样一份保险，在相关保险公司官网上的售价竟然仅为1.16元，高达18.84元的差价使得其“强行搭售”的做法增添了几分“意味”。

Ministry of railways has been incorporated into the ministry of transport of messages just fall to the ground,Previously suspended its third-party web sites sell tickets but business has quietly"miserable".In recent days,Ctrip travel network to launch a named"TieBao line"The tourism products,Customers can order all the high-speed rail within 3-20 days/Bullet train ticket.but,Reporters also found that,The consumer at the time of booking must want to buy a unit price of 20 yuan traffic accident insurance,An insurance is almost the same,The related insurance company's official website the price was only 1.16 yuan,As high as 18.84 yuan price difference makes it"Forced sale"Added a few minutes"Means that the".

　代购须“被保险”20元 Act as purchasing agency shall"The insured"20 yuan

　　昨日，记者登录携程网首页发现，火车票预订业务贴着“试运行”的标签低调上线，点击第一排靠右侧的“火车票”按钮后，系统直接转入火车票预订页面。用户可自由选择出发、到达城市及车次，订购3—20日以内的所有高铁、动车组车票，订票流程与12306网站(直接销售中国铁路火车票的惟一专业网站)相似，票价也一致。而且比12306网站更人性化的是，携程网可24小时向用户提供订票服务。

yesterday,Reporter login ctrip found home page,Train tickets booking business with"A test run"Label soft-launch mode,Click on the first row on the right side"The train ticket"After the button,System directly to train ticket booking page.Users are free to choose/Arrival city and trains,Order 3 - all the high iron within 20 days/Bullet train ticket,Booking process with 12306 web site(Direct sales in China railway train ticket only professional website)Similar to the,Ticket prices are consistent.But humanity is more than 12306 websites,Ctrip can provide booking service 24 hours a day.

　　不过，记者同时也注意到，乘客通过携程网在线订票时，无论票价多少，都必须捆绑购买一份单价达20元的交通意外保险。

but,Reporter also noticed at the same time,Passengers through ctrip book tickets online,No matter how much ticket prices,Must be bound to buy a unit price of 20 yuan traffic accident insurance.

　　在采访过程中，记者向携程网客服人员问及“有没有不买保险的办法”，该客服人员表示，实在不想购买意外险的乘客，可在选择“送票上门服务”方式后，在意外险一栏选择“不购买保险”，但20—30元的配送费用却使得这不见得是个“更好”的选择。

In the process of interview,Reporters to ctrip net customer service personnel asked about"Did not buy insurance",The customer service staff said,Really don't want to buy passengers casualty,But in the choice"Ticket delivery door to door service"After the way,In a bar to choose casualty"Don't buy insurance",While the cost of shipping for 20 to 30 yuan makes it is not a"better"The choice of.

同类产品差价达18.84元 Similar product price difference of 18.84 yuan

　　“一般汽车客运站可供自由选择的交通意外险的价格多为2元/份，去年取消的铁道部强制火车意外险也不过是1至2元，商业火车意外险可能会稍微贵一点，但一份20元的价格似乎也是高了点。”对于携程网“搭售”的意外险叫价高达20元，一位不愿意透露姓名的保险业内人士直言，即便算上代理费和手续费，从内行角度来看确实“赚多了”。那么，这款价格高达20元的交通意外险究竟“高在何处”呢？

"General automobile passenger traffic casualty for free to choose more price for 2 yuan/copies,Last year cancelled mor forced the train accident risk is 1 to 2 yuan,Commercial train insurance may be a little bit expensive,But a $20 price seems to be little high."For ctrip"For sale"Casualty of the bidding as high as 20 yuan,An unnamed insurance industry insiders say,Even counting fee and handling fee,From the Angle of adept"To earn more".then,The price is as high as 20 yuan of traffic accident"High in where"??

　　根据携程网提供的保险说明，这款保险的名称为“泰康人寿e顺交通工具意外伤害保险”，保险有效期为被保险人以乘客身份乘坐从事合法客运的当次列车期间(自被保险人进入列车车厢起至出列车车厢止)。在保额方面，列车意外伤害保险最高赔付50万元人民币，未满18周岁投保的最高赔付不超过10万元人民币。

According to the ctrip to provide insurance,This is the name of the insurance"Taikang life e suitable transportation accident injury insurance",Insurance is valid for the insured to engaged in legitimate passenger when train passengers(Since the insured to enter train cars to the carriage).In the aspect of the forehead,Train accident injury insurance is highest pay 500000 yuan RMB,Under 18 for the highest compensation does not exceed 100000 yuan.

　　随后，记者在泰康人寿官网上找到了一款几乎一样的“泰康e顺交通意外伤害保险”，不同的是，投保人可以根据火车、飞机、私家车等不同的交通工具选择套餐任意组合。而当记者将保险责任和保险金额选定为与携程网同样的50万元火车意外伤害保险金，并将保险有效期设定为1天时，系统计算出的保费仅为1.16元，与携程网的售价相比差了16.24倍。哪怕将保险有效期延长至2天，保费也仅为1.49元。而最大的差价出现在为未成年人投保时，由于未成年人投保保额最高仅能设定为10万元，携程网的售价统一按照20元/份执行，而如果将泰康官网这款产品的保额设定为10万元，则保费相应减少至0.23元，价差高达85.95倍。

then,Reporter in taikang life's official website found a almost the same"Taikang e suitable traffic accident injury insurance",The difference is,Policy-holder can according to the train/The plane/Private cars such as different means of transportation choice any combination package.When journalists will insurance liability and insurance amount selected with ctrip for the same train accident injury insurance of $500000,And set insurance is valid for 1 days,System to calculate the premium is only 1.16 yuan,Compared with ctrip price difference 16.24 times.Even to extend insurance is valid until 2 days,The premium is only 1.49 yuan.The biggest difference in insurance for minors,Insurance coverage due to minors is highest can only be set to 100000 yuan,Ctrip's price unified according to the 20 yuan/copies of execution,And if to set the taikang website this product coverage for 100000 yuan,The corresponding insurance cost reduce to 0.23 yuan,Price is as high as 85.95 times.

　　截至发稿，记者未能联系上携程网相关管理层人士，这当中巨大的价差何去何从仍是个未知数。

As of the time,Could not be contacted ctrip related management,The wide spread of go remains unclear.